Reg E Opt Out/Opt In

Bounce Protection® on Debit Card FAQ

Q

Why do I have to opt-in for my Bounce Protection® to cover everyday debit card and ATM transactions that exceed my balance?

A

As a result of recent changes in government regulation, the bank now requires you to choose to receive Bounce Protection® for ATM and one-time debit card transactions. If you opt-in, you will continue to have the same service that you have always had with your debit card.

Q

What happens if I do not opt-in?

A

Currently your Bounce Protection® covers ATM and one-time debit card transactions. Effective 8/15/2010, we will not be able to pay ATM and one-time debit card transactions when your account does not have sufficient funds.

Q

What if I never overdraw my account?

A

Bounce Protection® is for unexpected financial situations. Mistakes happen, no matter how careful we are. By opting-in you have peace of mind, plus it does not cost you anything unless you use it.

Q

If I opt-out or opt-in now, may I change my selection in the future?

A

Yes. You can change this at anytime.

Q

How do I opt-out/opt-in?

A

Making your choice is easy, just click "Continue" below to access the Opt-Out/Opt-In Form, complete the form and click "Submit".

Or you can call Sugar River Bank at (603) 863-3000 or 1(800) 562-3145 and speak to a Customer Service Representative.

Or visit one of our branches to complete the authorization form.

Or by completing the authorization form that was mailed to you and returning in the self-addressed postage paid envelope provided to you for your convenience.